安徽省农业产业化发展的信贷支持研究

发布时间：2018-08-30 14:35

【摘要】：农业产业化是现代农业发展的方向,是实现农民增收、解决“三农”问题的必由之路。发展农业产业化需要大量的资金,离不开农村信贷的支持。2014年中央一号文件《关于全面深化农村改革加快推进农业现代化的若干意见》明确指出“加快农村金融制度创新,强化金融机构服务三农的职责”。长期以来,金融机构的信贷资金大部分流向了效益高的非农部门,使得农村信贷资金没有对农村经济增长产生应有的促进作用,这也是国家出台各项政策扶持农村经济建设的原因。首先,本文对我国农业产业化现状的分析,明确了研究问题的重要意义。通过国内外相关文献综述,了解了对于农业产业化融资难的问题,国内外的学者的研究重点,主要是提高金融支农效率和农业产业化经营内部自身的融资能力。从而确定了本文的研究思路和方法。然后是理论部分,一方面阐述了信贷支农的相关理论,清楚了农业产业化和农村信贷的特征,从而得到信贷支农理论上的必要性,同时借鉴了其他国家的发展经验,更是明确了我国信贷支农的方向；另一方面,结合数据说明安徽省信贷支农的现状,农村信贷供求中问题,分析金融机构信贷供给不足的原因。实证部分,由两个模块构成。一是本文通过安徽省2011-2001年的农业产业化和信贷的纵向指标数据和2011年安徽省十六个地市的横向相关指标数据,分别进行因子分析和多元线性回归分析,证实农业产业化与信贷正相关性。二是通过建立VAR模型分析农村信贷支农对农业产业化发展的影响程度,协整检验结果表明农村信贷对农业产业化的发展有明显的拉动作用,而格兰杰因果检验表明农村信贷是农业产业化发展的格兰杰原因,但是存在时滞因而效率不高。最后根据研究的实证结论以及理论分析,本文从构建健全的安徽农村信贷市场；完善现有农村金融机构的功能：着重发展规范的农村民间金融和农村信贷新产品；深化农村信用社改革,创新农村信用社金融业务；完善农村信贷保险的保障机制,优化农村金融生态环境；加大政府对农村信贷的扶持力度六个方面提出政策建议。
[Abstract]:Agricultural industrialization is the direction of modern agriculture development and the only way to increase farmers' income and solve the problem of agriculture, countryside and farmers. The development of agricultural industrialization requires a large amount of funds and cannot be separated from the support of rural credit. In 2014, the No. 1 document of the Central Committee on comprehensively deepening Rural Reform and speeding up Agricultural Modernization pointed out clearly that "speeding up the innovation of rural financial system," Strengthen the responsibility of financial institutions to serve agriculture, rural areas and farmers. For a long time, most of the credit funds of financial institutions have gone to non-agricultural sectors with high efficiency, so the rural credit funds have not had their due role in promoting rural economic growth. This also is the reason that the country promulgates various policies to support rural economy construction. First of all, this paper analyzes the current situation of agricultural industrialization in China, and clarifies the significance of the research. Based on the literature review at home and abroad, this paper finds out the problems of financing in agricultural industrialization, and the research focus of scholars at home and abroad is to improve the efficiency of financial support to agriculture and the financing ability of agricultural industrialization management itself. Thus, the research ideas and methods of this paper are determined. Then the theory part, on the one hand, expounds the relevant theories of credit supporting agriculture, makes clear the characteristics of agricultural industrialization and rural credit, thus obtains the theoretical necessity of credit supporting agriculture, and at the same time draws lessons from the development experience of other countries. On the other hand, combining with the data to explain the current situation of credit supporting agriculture in Anhui Province, the problems in rural credit supply and demand are analyzed, and the reasons for the shortage of credit supply in financial institutions are analyzed. The empirical part consists of two modules. First, this article carries on the factor analysis and the multivariate linear regression analysis through the Anhui Province 2011-2001 agricultural industrialization and the credit longitudinal index data and the 2011 Anhui 16 cities horizontal correlation index data, The positive correlation between agricultural industrialization and credit is confirmed. The second is to establish VAR model to analyze the influence of rural credit to the development of agricultural industrialization. The results of cointegration test show that rural credit has obvious pull effect on the development of agricultural industrialization. The Granger causality test shows that rural credit is the Granger cause of agricultural industrialization development, but there is delay, so the efficiency is not high. Finally, according to the empirical conclusions and theoretical analysis, this paper constructs a sound rural credit market in Anhui Province, improves the functions of existing rural financial institutions, and focuses on the development of standardized rural private finance and new rural credit products. Deepening the reform of rural credit cooperatives, innovating the financial business of rural credit cooperatives, perfecting the guarantee mechanism of rural credit insurance, optimizing the rural financial ecological environment, and increasing the government's support for rural credit put forward six aspects of policy recommendations.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F327;F832.43

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